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Housewife (married woman who is not working)

According to the national Insurance Law a “housewife” is a resident of Israel who is married (or a common-law wife), whose husband is insured with the National Insurance, and who is not a salaried employee or self-employed.

Within the definition of a housewife, the following are not included:

  • A married woman (or common-law wife) whose husband is not insured
  • An abandoned wife
  • A housewife who receives a general disability pension

A housewife is exempt from payment of national and health insurance contributions.

A housewife is covered by Health Insurance and entitled to the full “basket of services” provided under to the National Health Insurance Law. Furthermore she is entitled to all of the national insurance benefits except for those intended to compensate for loss of income from work.

Regarding disability pension, old-age and survivors’ pensions there are special regulations relating to a housewife, and they are detailed on this site.

 

A widow who receives a survivors’ pension or a work injury dependents benefit—all the special regulations relating to a housewife regarding an old-age pension, relate to her as well.

 
Eligibility for benefits

A housewife is eligible for the following benefits:

Birth grant, child allowance, maintenance, survivors’, disability, radiation-affected persons, persons with transfusion-acquired HIV (Aids), accident-injured persons, attendance allowance, mobility, injury while volunteering, old-age pension, healthcare, income support, hostile action casualties, Prisoners of Zion.

A housewife is not eligible for the following benefits:

Maternity allowance, risk-pregnancy benefit, work-related injury benefit, unemployment benefit, rights in bankruptcy or corporation dissolution.

A housewife – is a female resident of Israel who is insured and is married to a husband who is insured (except for an abandoned wife), and who is not a salaried employee or self-employed.

All the regulations detailed in this section referring to “housewives” refer also to:

  • A widow who receives a survivors’ pension;
  • A widow who receives a benefit for work-injury dependents;

Until January 1996 a “housewife” was not covered by old-age and survivors’ insurance and was not eligible for an old-age pension, but her husband was eligible for a increment to his benefit for her.

Following an amendment to the law in 1996, housewives were also included among those who may be eligible for old-age and survivors’ insurance.

                
Survivors’ Pension for children of a housewife

Upon the death of a housewife  who had not accumulated a qualifying period her children only will be eligible for a survivors' pension.

If she had accumulated a qualifying period, the survivors' pension will be paid to the person who was her spouse at the time of her death.

The children of a widow who had received a survivors' pension, or a dependents pension under Work Injury Insurance, and who passed away,  will be eligible for two separate survivors' pensions by virtue of the death of both father and mother, or a dependents' pension under Work Injury Insurance. In addition, a death grant will be paid to the children by virtue of their mother's death.

Every woman submitting a claim for a disability pension (first claim or a repeat claim) is examined to determine whether she meets the criteria of a disabled housewife, in which case her capacity to perform household functions is checked; if she meets the definitions of a disabled , her capacity to earn a living is checked.

The examination of incapacity to perform household functions for a woman who is defined as a “disabled housewife” is performed at one of the Functional Evaluation Institutes.

                
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